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Andrews Federal Credit Union

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Andrews Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Andrews Federal Credit Union?

Yes, to access services at Andrews Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Andrews Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

Andrews Federal Credit Union's Personal Loan Rates are at 7.24%. MonitorBankRates evaluates the financial stability of Andrews Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.39%. Rates last updated and verified on 09/10/2026.

Andrews Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Andrews Federal Credit Union? Share your experience about Andrews Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Andrews Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.39%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Andrews Federal Credit Union
Allentown Road

5711 Allentown Rd
Suitland, MD 20746

https://www.andrewsfcu.org

Andrews Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	-	-	5.74%	Up to 20-year
Details Fixed-rate loans provide consistency in payments. Loan amounts $5,000 to $350,000. Borrow up to 95% of your home's value (minus the amount remaining on your mortgage). Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Andrews Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.24%	36 months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
New Auto Loan	-	-	4.84%	48 months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Used Auto Loan	-	-	4.85%	36 months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
New Auto Loan	-	-	4.94%	60 months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Used Auto Loan	-	-	5.19%	48 months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Used Auto Loan	-	-	5.29%	60 months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
New Auto Loan	-	-	5.77%	72 months*
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
New Auto Loan	-	-	5.92%	84 months**
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Used Auto Loan	-	-	6.45%	72 months*
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Used Auto Loan	-	-	6.85%	84 months**
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Andrews Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.24%	36 months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Personal Loan	9.24%	48 months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Personal Loan	9.50%	60 months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Personal Loan	11.50%	72 months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Personal Loan	11.75%	84 months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Andrews Federal Credit Union’s Texas Ratio rose from 8.28% in Q2 2023 to 9.39% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$2.6B	9.39%	5.0	A
December 31, 2025	$2.6B	11.43%	5.0	A
September 30, 2025	$2.5B	11.23%	5.0	A
June 30, 2025	$2.5B	11.11%	5.0	A
March 31, 2025	$2.5B	8.70%	5.0	A
December 31, 2024	$2.4B	12.78%	5.0	A
September 30, 2024	$2.5B	9.98%	5.0	A
June 30, 2024	$2.6B	10.35%	5.0	A
March 31, 2024	$2.6B	8.07%	5.0	A
December 31, 2023	$2.3B	7.24%	5.0	A
September 30, 2023	$2.3B	8.20%	5.0	A
June 30, 2023	$2.4B	8.28%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Andrews Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Andrews Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Andrews Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Andrews Federal Credit Union

Website https://www.andrewsfcu.org

Address 5711 Allentown Rd, Suitland, MD 20746

Phone 800-487-5500

Fax 301-702-5319

President Kenneth McKinney

CEO Kenneth Orgeron

Full-Time Employees 313

Part-Time Employees 3

Branch Locations 16

ATM Locations 15

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.39%

Return on Assets (ROA)

0.0907%

Return on Equity (ROE)

0.8340%

Non-Performing Loans Ratio (NPL)

1.40%

Total Assets

2,582,283,801

Total Amount of Shares and Deposits

1,998,319,444

Total Shares and Deposits < 1 Year

1,900,517,450

Total Shares and Deposits 1 3 Years

77,675,541

Total Shares and Deposits > 3 Years

20,126,453

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

204,323,451

Total Uninsured Shares and Deposits > $250K (F+J)

204,323,451

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,793,995,993

Total Interest Expense (Sum of items 6 8)

13,453,011

Share Certificates

13,118

Number of Accounts for Share Drafts

79,323

IRA KEOGH Accounts

3,661

Number of Accounts for Regular Shares

189,650

All other shares

2,815

Money Market Shares

5,845

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

84,561,984

Total Liabilities

2,300,221,226

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Andrews Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Andrews Federal Credit Union

How many branches does Andrews Federal Credit Union operate?

Andrews Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Andrews Federal Credit Union?

Yes, to access services at Andrews Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Andrews Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Andrews Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Andrews Federal Credit Union offer online and mobile banking?

Most modern institutions like Andrews Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.andrewsfcu.org.